The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$4,701
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,847
−HK$149/mo
Today · 4.125%
HK$4,996
baseline
▲ 0.50% · 4.625%
HK$5,300
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,992/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,230
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,370
−HK$142/mo
Today · 4.125%
HK$5,512
baseline
▲ 0.50% · 4.625%
HK$5,803
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,024/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,641
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,817
−HK$178/mo
Today · 4.125%
HK$5,995
baseline
▲ 0.50% · 4.625%
HK$6,360
+HK$365/mo
Deposit HK$825K · loan HK$1.24M · min. income ≈ HK$11,990/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,276
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,444
−HK$171/mo
Today · 4.125%
HK$6,615
baseline
▲ 0.50% · 4.625%
HK$6,964
+HK$349/mo
Deposit HK$825K · loan HK$1.24M · min. income ≈ HK$13,230/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,582
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,786
−HK$208/mo
Today · 4.125%
HK$6,994
baseline
▲ 0.50% · 4.625%
HK$7,420
+HK$426/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$13,988/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,322
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,518
−HK$199/mo
Today · 4.125%
HK$7,717
baseline
▲ 0.50% · 4.625%
HK$8,124
+HK$407/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$15,434/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,462
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,725
−HK$268/mo
Today · 4.125%
HK$8,993
baseline
▲ 0.50% · 4.625%
HK$9,540
+HK$547/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$17,986/mo (50% DSR)
Upfront cash ≈ HK$206K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,414
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,666
−HK$256/mo
Today · 4.125%
HK$9,922
baseline
▲ 0.50% · 4.625%
HK$10,445
+HK$523/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$19,844/mo (50% DSR)
Upfront cash ≈ HK$206K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).